Pursuant to the Fair Debt Collection Practices Act, I am writing this letter
instructing you to CEASE AND DESIST all further communications with me regarding
ANY AND ALL debts, accounts, and/or files that your company has for me. You are further
instructed not to call me my place of employment or any other person regarding the
debts, accounts, and/or files that your company has for me.

Instructions: Highlight the complete letter that you want to use and copy it into
a word processing program (i.e. MSWord, WordPerfect); then insert the correct information
into the bracketed sections.

NOTE: The letters are written to be sent via Certified Mail Return Receipt Requested;
if you choose to fax the letters, change the language to “SENT VIA FACSIMILE - [FAX
NO.]” and make sure to keep the fax confirmation page.

Pursuant to the Fair Debt Collection Practices Act, I am writing this letter
to dispute and request verification of the above-referenced account. Pursuant to
the Fair Debt Collection Practices Act, please provide me with the following information:

1. A copy of the original contract I signed, or a copy of the
judgment against me;

2. The amount of the debt; and

3. The name of the creditor to whom I owe the debt;

Pursuant to the Fair Debt Collection Practices Act, you may not send me any
letters, contact me by telephone, contact any other person, contact my place of employment,
initiate any legal action against me, or transfer the debt to another agency until
you provide me with the information I request.

Pursuant to the Fair Credit Reporting Act, I am writing this letter to dispute
certain items in the credit report you generated about me. Within 30 days of receiving
this letter, please take the specific action requested with respect to each dispute.
The items I am disputing are as follows:

Action requested: Please delete this item from my credit report. This account
was discharged in bankruptcy over 7 years ago. My bankruptcy

case number was [case number] filed in [state where case was filed]

(include as many disputes as you have regarding the credit report from this credit
reporting agency)

Pursuant to the Fair Credit Reporting Act, within 30 days of your receipt
of this letter, I expect to receive written notice that the items I disputed were
corrected or deleted as requested, along with a copy of my amended credit report.

Pursuant to the Fair Debt Collection Practices Act, I am sending this letter
to notify you that I retained an attorney to represent me in to resolve my debts.
Accordingly, please cease and desist all contact with me and direct all further communications
to: